Oregon2–50 Employees

Effective 7/01/10

UnitedHealthcare Multi-ChoiceSM Health care plans that fit your business

California5–50 Employees Effective 4/1/2012

2

A well-designed, flexible health plan, supported by streamlined administration and employee-focused wellness programs, can help you create a long-term strategy to manage health care costs now and in the future.

UnitedHealthcare Multi-ChoiceSM allows you to purchase one health plan package that includes multiple benefit design options, so you can offer your employees an array of health care coverage options to meet a variety of health care and financial needs. Our Multi-Choice packages include different mixes of plan design options, ranging from HMOs to Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs). Your employees can choose the benefit design option that best meets their individual needs, saving money on essential coverage or paying additional dollars for more comprehensive coverage. And you can keep or change your benefit design option offerings with your package year after year, ensuring that your health plan will evolve with the changing needs of your business and your employees.

Just as your business is unique, your health plan should work to meet your unique needs.

UnitedHealthcare Multi-Choice meets the unique needs of your business with:

• Planchoiceflexibility• Simplifiedadministration• Savingsopportunities• Wellnesssolutions• Abroadportfolioofspecialtycoverage• Availabletoemployergroupswithfive

or more enrolling employees

3

You can choose from several different options} UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValueTM (HMO) or UnitedHealthcare

SignatureValueTM Advantage (HMO): UnitedHealthcare SignatureValue (HMO) or UnitedHealthcare SignatureValue Advantage(alower-costHMOwithaselectnetworkofhealthcareproviders),andUnitedHealthcareChoicePlusproducts,including our HSA and HRA.

} UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue (HMO) and UnitedHealthcare SignatureValue Advantage (HMO): Select UnitedHealthcare SignatureValue and UnitedHealthcare SignatureValue Advantage plans, and UnitedHealthcareChoicePlusproducts,includingourHSAandHRA.

} UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue Flex (HMO): Four UnitedHealthcare SignatureValue Flex benefit options (with each option featuring three distinct networks) and UnitedHealthcare Choice Plusplans,includingourHSAandHRA.UnitedHealthcareSignatureValueplansavailableforemployeesoutsidetheSignatureValue Flex network service area.

} UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue Alliance (HMO): UnitedHealthcare SignatureValueAlliance,AllianceHSAandAllianceHRAplans,andUnitedHealthcareChoicePlusplans,includingBalanced, Balanced Value, HSA and HRA plans. UnitedHealthcare SignatureValue plans available for employees outside the SignatureValue Alliance network service area.

} UnitedHealthcare PremierSourceSM with UnitedHealthcare SignatureValue Alliance (HMO): UnitedHealthcare SignatureValue Alliance, Alliance HSA and Alliance HRA plans. UnitedHealthcare SignatureValue plans available for employees outside the SignatureValue Alliance network service area, and one staff model HMO from another carrier.

} UnitedHealthcare PremierSourceSM:Asuiteofsomeofourpremierplandesigns,includingUnitedHealthcareChoicePlusplans, HSA plans, and SignatureValue or SignatureValue Advantage plans. You can also choose a staff model HMO through PremierSource.

} UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue (HMO) featuring HealthCare Partners: UnitedHealthcareSignatureValuefeaturingHealthCarePartnersNetworkplans(offeringaccesstotheselectHealthCarePartnersnetworkinSouthernCalifornia)andUnitedHealthcareChoicePlusBalancedValueandHSAplans.UnitedHealthcare SignatureValue or UnitedHealthcare SignatureValue Advantage plans available for employees outside the HealthCarePartnersNetworkservicearea.

All of these packages give you the option to choose an HMO plan. Our UnitedHealthcare SignatureValue (HMO) plans provide the most comprehensive coverage of all our plans and offer many advantages to your employees. UnitedHealthcare SignatureValuememberssimplychooseonePrimaryCarePhysician(PCP)fromournetworktocoordinatealltheirmedicalcare.TheycanthenvisittheirPCPforpreventivecareservices,whichincluderoutinecheckups,andwhentheyneedtoseeaspecialist,theirPCPcanprovideareferral.Membersarechargedonlyacopaymentformostoutpatienthealthcareservicesateach doctor’s visit. And there’s no annual deductible with most HMO plans.

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No matter which benefit design options you choose to offer, your employees will have access to:

• AUnitedHealthcarenationalnetworkof more than 670,000 physicians, 5,100 hospitals and 64,000 pharmacies

• ArobustHMOnetworkofmorethan42,000 physicians, 210 hospitals and 5,000 pharmacies in California

• 24/7accesstohealthinformation andtoolsonmyuhc.com,®forPPO, HRA and HSA plan members, and on www.uhcwest.com, for HMO plan members

• Bilingualcustomerservicesupport• Qualityoutreach,advocacyandwellness

programs, including an online health assessment and programs to help identify individuals who may need help managing particular conditions so we can provide them with support tools

Add value to your business through simpler processes and Packaged Savings®

Streamlined administration

UnitedHealthcare Multi-Choice not only simplifies the enrollment and renewal process by giving you access to multiple benefit design options in one easy step, but changing your mix of benefit design options from year to year is simple. You can also save money and lighten your administrative responsibilitiesbytakingadvantageofourPre-TaxPremiumplans,COBRA administrative services and Flexible Spending Accounts (FSA).

These services are available at no additional cost to you when you purchase UnitedHealthcare Multi-Choice. Adding these services to your benefit programs can reduce payroll-related taxes and increase employee satisfaction. All you need to do is activate these services, and we will provide the support you need, including templates and tools to help you effectively communicate with your employees.

Packaged Savings®

You can combine your UnitedHealthcare Multi-Choice package with numerous specialty benefits, including Dental, Life, Disability and Vision. Whenyoubundlethesebenefits,youcanexpectprovenknowledgeand service from a leading specialty carrier plus the simplicity and convenience of just one team to administer those benefits. The savings yourealizethroughPackagedSavingsarebaseduponmedicalenrollmentand the number of active lines of specialty coverage you have with UnitedHealthcare.

5

Scenario 1: An employer moving from a single benefit design option to UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue (HMO)

Withworldattentionfocusedonboththeenvironmentandtheeconomy,EnvironmentalDefendersiswherepolicymakersand business leaders turn for win-win solutions. This green group of 20 environmental consultants and their support staff has tripled in size over the past decade. Alison, one of the founding members of the group, is assigned to find a health insurance package that can attract and retain the best and brightest employees.

The current employee makeup of this group is as follows:• Sevenyoung,singleprofessionalswhorarelygotothedoctor• Fiveyoung,marriedparentswhoregularlyusetheirhealthcarebenefitsfortheirgrowingfamilies• Threemiddle-agedprofessionalswhoseethedoctormainlyforpreventivecare• Fiveadministrativestaffmemberswhofindthepremiumsunaffordable

The company’s current plan is as follows:

Individual Premium (PMPM)

Employer Contribution $$ and (%)

Employee Contribution $$ and (%)

Deductible Coinsurance Copayment

$275 $193 (70%) $82 (30%) $1,000 80% $30-$50

Alison’s dilemma is that key employees have expressed the need for richer medical benefits. Others can’t afford the $82 premium, let alone an increase. Alison knows she’s jeopardizing employee satisfaction by not providing benefits that meet the individual needs of her employees.

Before UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue (HMO), her choices are:

1 Offer an additional plan from a different carrier. This requires additional paperwork and increases her administrative burden, assuming it is permitted by the current coverage.

2 Find a carrier that offers a dual option, providing two different health plans from the same carrier, which would still not meet her employees’ diverse needs.

WithUnitedHealthcareMulti-ChoicewithUnitedHealthcareSignatureValue(HMO),Alisondecidestoofferheremployeesthe choice of three benefit design options. The UnitedHealthcare SignatureValue plans offer access to a robust HMO networkofphysiciansandhospitals.ThosewhoenrollintheseHMOplanscanchooseonePrimaryCarePhysiciantocoordinatealltheircare,andtheypayonlyacopaymentateachdoctor’sofficevisit.Plus,preventivecareiscovered.WiththeUnitedHealthcareChoicePlusplans,enrolleeshavetheflexibilitytoseeanydoctor–includingspecialists–withoutareferral.

Plan DesignIndividual Premium (PMPM)

Employer Contribution $$ and (%)

Employee Contribution $$ and (%)

Deductible Coinsurance Copayment

UnitedHealthcare Choice Plus Balanced 30/3000/70%

$271 $190 (70%) $81 (30%) $3,000 70% $30-$50

UnitedHealthcare Choice Plus Balanced 30/1000/80%

$333 $233 (70%) $100 (30%) $1,000 80% $30-$50

UnitedHealthcare SignatureValue 15-30/300a

$280 $196 (70%) $84 (30%) n/a $300 per admit $15-$30

Withthisarrayofplans,Alison’semployeescanchoosethecoveragelevelthatbestmeetstheirindividualneeds.Intheend,she reduces her total health care coverage costs while increasing her employees’ choice and satisfaction.

UnitedHealthcare Multi-Choice brought to life

6

Scenario 2: An employer with dual option moving to UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue Advantage (HMO)

Boyd Construction, a commercial contracting company that handles both new construction and renovation, has seen moderate annualgrowth,butisdealingwithatighteningeconomy.Tony,theowner,needstoensurethatadministrativecostsarereliably predictable and the time spent managing the company’s benefits is minimal, so he can focus on running his business.

The current employee makeup of Tony’s company is as follows:} 36 laborers } Five supervisors } Four office personnel

The company’s current plans are as follows:

Individual Premium (PMPM)

Employer Contribution

$$

Employee Contribution

$$ Deductible Coinsurance Copayment

$275 $200 $75 $1,000 80% $30-$50

$351 $200 $151 $500 80% $30-$50

Tony’s dilemma is that he can’t afford the 14 percent renewal increase he is facing with his current dual option plans. He also wants to be able to better predict annual health insurance costs, without increasing his administrative burden or sacrificing the benefits available to his employees.

Before UnitedHealthcare Multi-Choice with UnitedHealthcare SignatureValue Advantage (HMO), his choices are:

1 Shop for an additional plan from a different carrier. This requires additional paperwork and increases his administrative burden, assuming it is permitted by the current coverage.

2 Buy down to a whole new set of options at a lower premium within a larger product portfolio, which would still not meet his employees’ needs or lower his administrative burden.

UnitedHealthcare Multi-Choice brought to life (continued)

7

WithUnitedHealthcareMulti-ChoicewithUnitedHealthcareSignatureValueAdvantage(HMO),Tonydecidestoofferhisemployees five different benefit design options, which include the annual rate increase.

Plan DesignIndividual Premium (PMPM)

Employer Contribution

$$

Employee Contribution

$$ Deductible Coinsurance Copayment

UnitedHealthcare Choice Plus Traditional with Deductible 30/500/80% $383 $200 $183 $500 80% $30-$50

UnitedHealthcare SignatureValue Advantage 15-30/300a $244 $200 $44 n/a $300

per admit $15-$30

UnitedHealthcare Choice Plus Balanced Value 40/1000/70% $263 $200 $63 $1,000 70% $40-$60

UnitedHealthcare Choice Plus HRA 3000/70% $269 $200 $69 $3,000 70% 70%

UnitedHealthcare Choice Plus HSA 3000/80% $227 $200 $27 $3,000 80% 80%

Withthisarrayofplans,hisemployeescanchoosethecoveragelevelthatbestmeetstheirindividualneeds.SinceTonyhasfixed his contribution at 100 percent of the lowest priced benefit design option, he’s able to predict his monthly costs, while still allowing his employees to buy up for additional coverage. He also has the option to choose from additional benefit designs during renewal, allowing him the flexibility to adjust his health insurance offering based on his budget and the needs of his employees. And, he can do all this without the hassle of having to shop multiple insurance carriers every year.

8

1

Plan Coverage: All UnitedHealthcare plans are underwritten by UnitedHealthcare Insurance Company. When adding or revising plans at renewal, underwriting approval is required.1 By electing this plan, the Group has chosen not to offer Infertility Services to its employees. The Group understands that UnitedHealthcare covers Infertility Services in other Small Business plans.2 When offered alongside the SignatureValue featuring HealthCare Partners network product, the SignatureValue or SignatureValue Advantage product is only available to employees who do not live and do not work in the HealthCare Partners network service area. 3 The Group must select either the SignatureValue or SignatureValue Advantage plan(s) within each package. Groups outside the SignatureValue Advantage network service area are not eligible for the SignatureValue Advantage product.

UnitedHealthcare Multi-ChoiceSM Packages Stand-Alone Plan Options or Flex Package7

UnitedHealthcare Plan Plan Description

Plan Code

with UnitedHealthcare SignatureValueTM or UnitedHealthcare

SignatureValue Advantage3

with UnitedHealthcare SignatureValue and UnitedHealthcare

SignatureValue Advantage

with UnitedHealthcare SignatureValue

Flex A5

with UnitedHealthcare SignatureValue

Flex B5

with UnitedHealthcare SignatureValue

Flex C5

with UnitedHealthcare SignatureValue

Flex D5

with UnitedHealthcare

SignatureValue Alliance

with UnitedHealthcare

PremierSource – Alliance

with UnitedHealthcare PremierSource3

with UnitedHealthcare SignatureValue featuring HealthCare Partners2, 3

Groups <5 Employees

Choice Plus Traditional 20/250/90% J3-A • • • • • • •Choice Plus Traditional 30/250/80% J3-D • • • • • • •Choice Plus Traditional 30/500/80% J3-F • • • • • • •Choice Plus Traditional 40/500/70% J3-K • • • • • • •Choice Plus Balanced 30/1000/80% J3-C • • • • • • •Choice Plus Balanced 40/1000/70% J3-I • • • • • • • •Choice Plus Balanced 40/1500/70% J3-J • • • • • • • • •Choice Plus Balanced 40/1000/50% 6Z-A • • • • • • • •Choice Plus Balanced 40/2000/50% 6Z-B • • • • • • • •Choice Plus Balanced 30/3000/70% 6Z-C • • • • • • • •Choice Plus Balanced 40/4000/60% 6Z-D • • • • • • • •Choice Plus Balanced 50/5000/50% 6Z-E • • • • • • • •Choice Plus Balanced (effective 5/1/2012) 40/7500/75% CC-4 • • • • • • • • •Choice Plus Balanced Value 40/1000/70% 6Z-G • • • • • • • • • •Choice Plus Balanced Value 40/1500/70% 6Z-H • • • • • • • • •Choice Plus Balanced Value 40/2000/50% 6Z-F • • • • • • •Choice Plus Balanced Value 40/5000/70% 6Z-I • • • • • • •Choice Plus HSA 2000/100% J3-N • • • • • • • •Choice Plus HSA 3000/100% J3-O • • • • • • • • •Choice Plus HSA 2000/90% 6Z-J • • • • • • • • •Choice Plus HSA 3000/90% 6Z-K • • • • • • • • • •Choice Plus HSA 1500/80% J3-1 • • • • • • • • • •Choice Plus HSA 2000/80% J3-Z • • • • • • • • •Choice Plus HSA 3000/80% J3-L • • • • • • • • • •Choice Plus HSA 4000/80% J3-M • • • • • • • • •Choice Plus HRA 2000/70%4 J3-V • • • • • • • •Choice Plus HRA 3000/70%4 J3-W • • • • • • • •Choice Plus HRA (effective 5/1/2012) 7500/75%4 CC-5 • • • • • • • • •Non-Differential PPO 2000/80% 6H-H •

And And Only available with Flex for employers with employees outside the Flex service area.6 And AndSignatureValue 10-30/100% PC-F • •SignatureValue 15-30/300a PC-G • • • • •SignatureValue 20-40/300d1 PD-I • • • • • •SignatureValue 30-40/500d1 PD-J • • • • • • • •SignatureValue 40-60/800d1 PD-K • • • • • • • •SignatureValue 20-40/1500ded1 PC-K • •SignatureValue 40-60/60%1 PC-C • • • • • • • •SignatureValue 20-40/70%/1500ded1 PD-M • • • • • • •SignatureValue 40-60/70%/2000ded1 PD-N • • • • • •

Or And Or OrSignatureValue Advantage 10-30/100% PC-L • • •SignatureValue Advantage 15-30/300a PC-M • • •SignatureValue Advantage 20-40/300d1 PD-T • • •SignatureValue Advantage 30-40/500d1 PD-O • • • •SignatureValue Advantage 40-60/800d1 PD-P • • • •SignatureValue Advantage 20-40/1500ded1 PC-Q • • •SignatureValue Advantage 40-60/2000ded1 PC-R • • •SignatureValue Advantage 40-60/60%1 PC-1 • • • •SignatureValue Advantage 20-40/70%/1500ded1 PD-R • • • •SignatureValue Advantage 40-60/70%/2000ded1 PD-S • • • •

And And And AndSignatureValue Flex A Network 1 15-30/300a CB-3

• •SignatureValue Flex A Network 2 20-40/300d1 CB-4SignatureValue Flex A Network 3 30-40/500d1 CB-5SignatureValue Flex B Network 1 20-40/300d1 CB-T

• •SignatureValue Flex B Network 2 30-40/500d1 CB-USignatureValue Flex B Network 3 40-60/800d1 CB-VSignatureValue Flex C Network 1 30-40/500d1 CB-W

• •SignatureValue Flex C Network 2 40-60/800d1 CB-XSignatureValue Flex C Network 3 40-60/60%1 CB-YSignatureValue Flex D Network 1 40-60/800d1 CB-Z

• •SignatureValue Flex D Network 2 40-60/60%1 CB-1SignatureValue Flex D Network 3 20-40/70%/1500ded1 CB-2

AndSignatureValue Alliance 15-30/300a CH-2 • • •SignatureValue Alliance 20-40/300d CH-3 • • •SignatureValue Alliance 30-40/500d CH-4 • • •SignatureValue Alliance 40-60/800d CH-5 • • •SignatureValue Alliance 40-60/60% CH-6 • • •SignatureValue Alliance 20-40/70%/1500ded CH-7 • • •SignatureValue Alliance 40-60/70%/2000ded CH-8 • • •SignatureValue Alliance HSA 90%/1500ded8 CB-6 • • •SignatureValue Alliance HSA 80%/2000ded8 CB-7 • • •SignatureValue Alliance HSA 80%/3000ded8 CB-8 • • •SignatureValue Alliance HRA 30-40/90%/1500ded4 CC-Q • • •SignatureValue Alliance HRA 35-50/80%/2000ded4 CC-R • • •SignatureValue Alliance HRA 40-55/70%/3000ded4 CC-S • • •

AndSignatureValue HealthCare Partners Network 25-75/500ded1 PD-F • •SignatureValue HealthCare Partners Network 25-50/500ded1 PD-G • •SignatureValue HealthCare Partners Network 25-75/1500ded1 PD-H • •

Stand-Alone Plan Options or Flex Package Only: Groups with less than 5 enrolling employees are eligible for the SignatureValue Flex plan benefit options only (Flex A, B, C or D), with each option offering distinct benefit plans on each Flex network tier.California Small Business (5–50) Multi-Choice Plan Options

9

4 HRA-eligible benefit plan.5 Groups with 5 or more enrolling employees are eligible to offer a Multi-Choice package that includes the SignatureValue Flex A, B, C or D benefit options. 6 The full network SignatureValue product is only available with SignatureValue Alliance or SignatureValue Flex for groups with employees outside the SignatureValue Alliance or SignatureValue Flex service area.7 In order to select the stand-alone plan or the Flex package, the Group and the enrolling employees must be eligible for the network service area.8 The Chiropractic/Acupuncture Supplemental Benefit is not available with this plan.

UnitedHealthcare Multi-ChoiceSM Packages Stand-Alone Plan Options or Flex Package7

UnitedHealthcare Plan Plan Description

Plan Code

with UnitedHealthcare SignatureValueTM or UnitedHealthcare

SignatureValue Advantage3

with UnitedHealthcare SignatureValue and UnitedHealthcare

SignatureValue Advantage

with UnitedHealthcare SignatureValue

Flex A5

with UnitedHealthcare SignatureValue

Flex B5

with UnitedHealthcare SignatureValue

Flex C5

with UnitedHealthcare SignatureValue

Flex D5

with UnitedHealthcare

SignatureValue Alliance

with UnitedHealthcare

PremierSource – Alliance

with UnitedHealthcare PremierSource3

with UnitedHealthcare SignatureValue featuring HealthCare Partners2, 3

Groups <5 Employees

Choice Plus Traditional 20/250/90% J3-A • • • • • • •Choice Plus Traditional 30/250/80% J3-D • • • • • • •Choice Plus Traditional 30/500/80% J3-F • • • • • • •Choice Plus Traditional 40/500/70% J3-K • • • • • • •Choice Plus Balanced 30/1000/80% J3-C • • • • • • •Choice Plus Balanced 40/1000/70% J3-I • • • • • • • •Choice Plus Balanced 40/1500/70% J3-J • • • • • • • • •Choice Plus Balanced 40/1000/50% 6Z-A • • • • • • • •Choice Plus Balanced 40/2000/50% 6Z-B • • • • • • • •Choice Plus Balanced 30/3000/70% 6Z-C • • • • • • • •Choice Plus Balanced 40/4000/60% 6Z-D • • • • • • • •Choice Plus Balanced 50/5000/50% 6Z-E • • • • • • • •Choice Plus Balanced (effective 5/1/2012) 40/7500/75% CC-4 • • • • • • • • •Choice Plus Balanced Value 40/1000/70% 6Z-G • • • • • • • • • •Choice Plus Balanced Value 40/1500/70% 6Z-H • • • • • • • • •Choice Plus Balanced Value 40/2000/50% 6Z-F • • • • • • •Choice Plus Balanced Value 40/5000/70% 6Z-I • • • • • • •Choice Plus HSA 2000/100% J3-N • • • • • • • •Choice Plus HSA 3000/100% J3-O • • • • • • • • •Choice Plus HSA 2000/90% 6Z-J • • • • • • • • •Choice Plus HSA 3000/90% 6Z-K • • • • • • • • • •Choice Plus HSA 1500/80% J3-1 • • • • • • • • • •Choice Plus HSA 2000/80% J3-Z • • • • • • • • •Choice Plus HSA 3000/80% J3-L • • • • • • • • • •Choice Plus HSA 4000/80% J3-M • • • • • • • • •Choice Plus HRA 2000/70%4 J3-V • • • • • • • •Choice Plus HRA 3000/70%4 J3-W • • • • • • • •Choice Plus HRA (effective 5/1/2012) 7500/75%4 CC-5 • • • • • • • • •Non-Differential PPO 2000/80% 6H-H •

And And Only available with Flex for employers with employees outside the Flex service area.6 And AndSignatureValue 10-30/100% PC-F • •SignatureValue 15-30/300a PC-G • • • • •SignatureValue 20-40/300d1 PD-I • • • • • •SignatureValue 30-40/500d1 PD-J • • • • • • • •SignatureValue 40-60/800d1 PD-K • • • • • • • •SignatureValue 20-40/1500ded1 PC-K • •SignatureValue 40-60/60%1 PC-C • • • • • • • •SignatureValue 20-40/70%/1500ded1 PD-M • • • • • • •SignatureValue 40-60/70%/2000ded1 PD-N • • • • • •

Or And Or OrSignatureValue Advantage 10-30/100% PC-L • • •SignatureValue Advantage 15-30/300a PC-M • • •SignatureValue Advantage 20-40/300d1 PD-T • • •SignatureValue Advantage 30-40/500d1 PD-O • • • •SignatureValue Advantage 40-60/800d1 PD-P • • • •SignatureValue Advantage 20-40/1500ded1 PC-Q • • •SignatureValue Advantage 40-60/2000ded1 PC-R • • •SignatureValue Advantage 40-60/60%1 PC-1 • • • •SignatureValue Advantage 20-40/70%/1500ded1 PD-R • • • •SignatureValue Advantage 40-60/70%/2000ded1 PD-S • • • •

And And And AndSignatureValue Flex A Network 1 15-30/300a CB-3

• •SignatureValue Flex A Network 2 20-40/300d1 CB-4SignatureValue Flex A Network 3 30-40/500d1 CB-5SignatureValue Flex B Network 1 20-40/300d1 CB-T

• •SignatureValue Flex B Network 2 30-40/500d1 CB-USignatureValue Flex B Network 3 40-60/800d1 CB-VSignatureValue Flex C Network 1 30-40/500d1 CB-W

• •SignatureValue Flex C Network 2 40-60/800d1 CB-XSignatureValue Flex C Network 3 40-60/60%1 CB-YSignatureValue Flex D Network 1 40-60/800d1 CB-Z

• •SignatureValue Flex D Network 2 40-60/60%1 CB-1SignatureValue Flex D Network 3 20-40/70%/1500ded1 CB-2

AndSignatureValue Alliance 15-30/300a CH-2 • • •SignatureValue Alliance 20-40/300d CH-3 • • •SignatureValue Alliance 30-40/500d CH-4 • • •SignatureValue Alliance 40-60/800d CH-5 • • •SignatureValue Alliance 40-60/60% CH-6 • • •SignatureValue Alliance 20-40/70%/1500ded CH-7 • • •SignatureValue Alliance 40-60/70%/2000ded CH-8 • • •SignatureValue Alliance HSA 90%/1500ded8 CB-6 • • •SignatureValue Alliance HSA 80%/2000ded8 CB-7 • • •SignatureValue Alliance HSA 80%/3000ded8 CB-8 • • •SignatureValue Alliance HRA 30-40/90%/1500ded4 CC-Q • • •SignatureValue Alliance HRA 35-50/80%/2000ded4 CC-R • • •SignatureValue Alliance HRA 40-55/70%/3000ded4 CC-S • • •

AndSignatureValue HealthCare Partners Network 25-75/500ded1 PD-F • •SignatureValue HealthCare Partners Network 25-50/500ded1 PD-G • •SignatureValue HealthCare Partners Network 25-75/1500ded1 PD-H • •

Stand-Alone Plan Options or Flex Package Only: Groups with less than 5 enrolling employees are eligible for the SignatureValue Flex plan benefit options only (Flex A, B, C or D), with each option offering distinct benefit plans on each Flex network tier.

10

Inofferingyouremployeestheirchoiceofplans,youcanalsoempower them to make informed decisions about their health care. Weofferavarietyoftoolsandresourcesmeanttoworkwiththeirplan choices to help them navigate the health care system.

Making informed treatment decisions

UnitedHealthcare’sTreatmentDecisionSupportprogramprovidesyour employees with information about their medical conditions, treatment options, and clinical and cost ramifications of treatment choices. This gives them the tools to avoid unnecessary treatments and access to appropriate, cost-effective care. And, these resources can lead to better health outcomes and lower health care costs for you and your employees.

For PPO, HSA, and HRA plan members, additional tools are available through myuhc.com®:

Hospital Comparison Program: provides cost and quality information to help your employees evaluate hospital performance along with costs for services

Treatment Cost Estimator: calculates approximate costs of specific health care services in your employees’ geographic area

For HMO plan members, additional tools are available on uhcwest.com:

Health Assessment: an online questionnaire that reveals current health status, identifies potential health risks and recommends relevant wellness programs.

Personal Health Record: keeps track of medical history, claims and other health information online, in one convenient place.

UnitedHealthcare Multi-Choice as the “right” choice for your employees

Did you know? When consumers are actively engaged in their health care decisions, the results follow.*

• 11percentlowercostforchronic populationthanPPO

• 12percentreductionincostper member each year

• 40percent**reductioninsurgerycosts• Overalllowermedicalcosts• Useofpreventivecaregrewfaster

* AnalysisofUnitedHealthcarecustomerswhowereoffered both a consumer-driven health plan with activationservicesalongsideaPPOoptionplanfrom2003 to 2006.

** Whenconsumersactivelyengageintreatmentdecision, surgery costs can be reduced by as much as 40%.Source:Ashetal.(2006).“Whoisatgreatestrisk of receiving poor-quality health care?” New England Journal of Medicine. 354 (11). 1147-1156

11

Did you know? Annual costs of unhealthy lifestyle (Billions – 2006 Dollars)

Weunderstandthatsimplyofferingflexiblebenefitdesignsisonlyhalf the solution in positively impacting the health care system and your bottom line.

Our programs and services support your efforts to keep employees healthy. Healthier employees tend to be more productive and spend fewer health care dollars. They can begin to make appropriate health care decisions and lifestyle modifications that may lower overall health care costs. That’s why we provide you with tools, resources and services to help improve employee health behaviors.

Helping your employees make the most of their benefits

We’re committed to changing health care through outstanding service and cost savings you can measure year after year. That’s why more small businesses chose UnitedHealthcare than any other carrier.1

1 #1 for small businesses and total number of small business members covered based on UnitedHealthcare membership systems (December 2007) for groups with 2-99 employees.

$500

$400

$300

$200

$100

$0

$143.3

Obesity

$188.2

Inactivity

$206.4

Smoking

$151.6

Diabetes Heart Disease

and Stroke

$403.1

Source: www.healthpromotionadvocates.org

Bill

ions

of D

olla

rs

Our online tools and services focus on delivering this access to employees:

• Healthassessmentandpersonalizedreport• Healthimprovementtools• Onlineprograms• Onlineproviderdirectory• QualityIndex®ofUnitedHealthcareof

California physicians and hospitals• Resourceslibraries• Personalhealthrecord• Personalhealthinformation• Healthstatements• Livechatswithhealthinformation

specialists and health coaches• Bilingualhealthinformationandservices

in Spanish, Chinese, Korean, Vietnamese, and Japanese

• Customizablenutritionandfitnessplans• Healthy Mind Healthy Body® e-newsletter

QUALITYINDEXprofilesareforinformationalpurposesonlyandarenotavailableinallstates.UnitedHealthcaredoesnotprovidehealthcareservicesorpracticemedicine.Healthcareprovidersaresolelyresponsibleformedicaljudgmentsandtreatments.Inclusioninthisprogramdoesnotguaranteethequalityofcarebeingrendered.NotallphysiciansandspecialtytypesareeligibleforaQUALITYINDEXprofile.Thisprogrammaynotbeavailableinallstatesorforallgroups.Components subject to change. HealthplancoverageprovidedbyorthroughUnitedHealthcareInsuranceCompanyandUnitedHealthcareofCalifornia.AdministrativeservicesprovidedbyPacifiCareHealthPlanAdministrators,Inc.,PrescriptionSolutionsorOptumHealthCareSolutions,Inc.BehavioralhealthproductsareprovidedbyU.S.BehavioralHealthPlan,California(USBHPC)orUnitedBehavioralHealth(UBH).UnitedHealthWellness®isacollectionofprogramsandservicesofferedtoUnitedHealthcareenrolleestohelpthemstayhealthy.ItisnotaninsuranceproductbutisofferedtoexistingenrolleesofcertainproductsunderwrittenorprovidedbyUnitedHealthcareInsuranceCompanyoritsaffiliatestoencouragetheirparticipationinwellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or other requirements in the state.SomeUnitedHealthWellnessprogramsandservicesmaynotbeavailableinallstatesorforallgroupsizes.Componentssubjecttochange.

400-35472/12Employer©2012UnitedHealthCareServices,Inc.

UHCCA402585-012